Can You Fax a Check?

man faxing a document

Is it possible to fax a check? Indeed, it is. Checks are just like other documents and therefore can be transmitted via fax.

Is It Legal and Generally Accepted to Fax a Check?

While it’s technically possible to send a check via fax, its acceptance and legality largely hinge on local regulations and the specific institution receiving it.

Not all institutions accept checks via fax, plus there may be some legal differences between a faxed check and a physically mailed check

So it’s important that you consult with a legal expert or financial advisor if you’re considering this approach.

Potential Risks to Consider

Understand that faxing a check carries certain risks.

Faxing a check means exposing sensitive details like your name, account number, and routing number printed on it.

If this information falls into the wrong hands, it could be misused for fraudulent activities.

Furthermore, if the check’s faxed image lacks clarity, its processing could be denied. This could inconvenience the recipient, especially if they were anticipating a payment within a set time frame.

How to Fax a Check

Faxing a check involves several simple steps:

Step 1: Alert the recipient: Inform them about the incoming faxed check to ensure they are prepared to receive it and process it accordingly.

Step 2: Prepare a cover sheet: This adds professionalism and ensures that your check reaches the intended recipient.

Step 3: Make a copy of the check: Make a clear, legible copy of both the front and back of the check for faxing.

Step 4: Send the fax: If you have a traditional fax machine, fine. If not, several online services offer faxing capabilities.

Step 5: Confirmation: Once you’ve sent the check, call the recipient to confirm receipt.

Pros and Cons of Faxing a Check


  • It is a quick and speedy method to transfer check data, particularly useful in urgent scenarios.
  • Faxing can be a low-cost method if you already have a fax machine or use online fax services.


  • Fax technology can seem obsolete compared to modern methods like direct bank transfers, mobile check deposits, etc.
  • It can be insecure and susceptible to interception, which may lead to fraud.
  • Not all banks or businesses accept faxed checks because of the potential for fraud and legal concerns.

Alternative Options for Sending Checks

f faxing doesn’t seem like the right fit, there are numerous other methods to send money safely, quickly, and efficiently. Electronic Fund Transfers (EFTs), Automated Clearing House (ACH) transfers, and wire transfers are commonly used for direct transfers between bank accounts. 

Online banking and payment apps also offer quick and often instantaneous transfers. Some banks now even offer mobile check deposit features that allow you to deposit a check with a simple smartphone snapshot.

Wrapping Up

Faxing a check can be done, but it comes with its pros and cons. It might meet an immediate need, yet it is worth considering the alternatives for more secure and efficient transactions. 

In the end, the most suitable method for transferring checks depends on your specific needs and circumstances, from urgency to the tech savviness of all parties involved.